FDIC Certificate #: 34331 Status: Active Federal Reserve ID: 2502825 Date Established: October 01, 1996 Trust Powers Granted: No Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 57090 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion Date of Deposit Insurance: October 01, 1996 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 5600 Wyoming Boulevard, N.E., Suite 275, Albuquerque, NM 87109 County: Bernalillo Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Albuquerque Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): Albuquerque, NM (#200) Core Based Statistical Area (CBSA): Albuquerque, NM (#10740) CBSA Metro Statistical Area: Albuquerque, NM (#10740)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $3.5 mil Equity capital: $3.0 mil Deposits held in domestic offices: $0.5 mil Return on assets (ROA): 1.47% ($0.0 mil) Quarterly return on assets: 1.72% ($0.1 mil) Return on Equity (ROE): 1.74% ($0.1 mil) Quarterly return on equity: 2.04% ($0.1 mil) Net income: $0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: 2.31% ($80.6 mil) Quarterly Pretax return on assets: 2.18% ($76.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
3Total employees (full-time equivalent)
$3,491Total assets
$157Cash and due from depository institutions
$0Interest-bearing balances
$3,224Securities
$0Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$0Loan loss allowance
$0Trading account assets
$0Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$3,491Life insurance assets
$110All other assets
$538Total liabilities and capital
$500Total liabilities
$500Total deposits
$500Interest-bearing deposits
$50Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$38Subordinated debt
$2,953All other liabilities
$2,953Total equity capital
$2,953Total bank equity capital
$0Perpetual preferred stock
$1,000Common stock
$1,278Surplus
$675Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$13Long-term assets (5+ years)
$3,224Average Assets, year-to-date
$1,258Average Assets, quarterly
$3,468Volatile liabilities
$3,485Insider loans
$1,729FHLB advances
$3,483Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,953Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$472,013Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$61Total interest income
$9Total interest expense
$52Net interest income
$0Provision for loan and lease losses
$588Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$588Additional noninterest income
$560Total noninterest expense
$247Salaries and employee benefits
$27Premises and equipment expense
$286Additional noninterest expense
$80Pre-tax net operating income
$0Securities gains (losses)
$29Applicable income taxes
$51Income before extraordinary items
$0Extraordinary gains - net
$51Net income attributable to bank
$0Net charge-offs
$51Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
1.91%Yield on earning assets
0.28%Cost of funding earning assets
1.63%Net interest margin
18.41%Noninterest income to earning assets
17.53%Noninterest expense to earning assets
1.47%Net operating income to assets
1.47%Return on assets (ROA)
2.31%Pretax return on assets
1.74%Return on equity (ROE)
1.74%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
87,500Assets per employee
1.16%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.00%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
0.00%Net loans and leases to core deposits
0.00%Equity capital to assets
84.59%Core capital (leverage) ratio
84.78%Tier 1 risk-based capital ratio
170.79%Total risk-based capital ratio
Memoranda
$171Average assets
$3,468Average earning assets
$2,927Average equity
$3,195Average loans
List of branches
1 New Mexico Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
57090
Dsrm National Bank
5600 Wyoming Boulevard, N.E., Suite 275, Albuquerque, NM 87109
October 01, 1996
Full Service Brick and Mortar
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